The loan fund of Tongcheng Tourism Loan is provided by Shanghai Bank. If the borrower has overdue repayment in Tongcheng Tourism Loan, Tongcheng Tourism Loan will report the borrower's overdue record to the central bank's credit information system. At the same time, in order to control the risk, Tongcheng Tourism Loan will check the borrower's credit information when reviewing the loan.

When a borrower applies for a credit loan, the main factors that affect the loan amount are:

(1) Personal credit of the borrower. When applying for a credit loan, the financial institution will decide the loan amount of the borrower according to the borrower's credit situation. If the borrower's credit is poor and there is such a serious overdue, the financial institution will directly reject the borrower's loan application.

(2) Personal property of the borrower. The borrower's personal property directly affects the borrower's repayment ability, so it will have a great impact on the borrower's loan amount. The more the borrower's property, the higher the amount that the financial institution is willing to lend to the borrower.

(3) The work of the borrower. Financial institutions prefer to lend money to borrowers with stable income, so borrowers who are civil servants, teachers, lawyers and employees of listed companies often get higher credit loans.

The above is what Bian Xiao shared for you about the credit investigation of Tongcheng Tourism Loan. More information can focus on the construction industry and share more dry goods.